Dr YSR Aarogyasri

Dr. NTR Vaidya Seva was first launched in 2007 by Dr Y. S. Rajasekhara Reddy as Rajiv Aarogyasri. Over the years, its name has changed with different governments in power. In 2014, it was renamed NTR Aarogya Seva, later called NTR Vaidya Seva. In 2019, it was changed back to Dr. YSR Aarogyasri. 

Most recently, in July 2024, the Andhra Pradesh government restored the name to Dr. NTR Vaidya Seva, reflecting the current administration’s preference while continuing the same goal of providing cashless healthcare.

This guide walks you through the features, eligibility, benefits, and drawbacks of the health scheme to help you understand how it works and whether it meets your medical needs.

Key Features of Dr YSR Aarogyasri

• Cashless inpatient treatment for 3,250+ medical and surgical procedures at empaneled hospitals.
• Covers expenses from hospital admission up to 10 days after discharge, and up to 30 days if complications arise.
• Free outpatient consultation and diagnostic tests if admission is not required.
• One-year follow-up care for 138 specified procedures, including consultations and medicines.
• Outpatient treatment for certain chronic diseases at notified government hospitals.

Eligibility and Application Process for Dr YSR Aarogyasri

Eligibility Criteria

• All Below Poverty Line (BPL) families in Andhra Pradesh with a valid BPL ration card are eligible.
• Eligible ration card types include White Card, Annapurna Card, Antyodaya Anna Yojana (AAY), Rice Above Poverty (RAP) Card, and Temporary Assistance to Poor (TAP) Card, provided the member’s name and photo appear on the card.
• No separate enrollment is required. Coverage is automatic with a valid, eligible ration card.

Take Note: The Government of Andhra Pradesh pays the premium on behalf of eligible families.

Online Application Process

Here’s the online process you can follow to get registered under the scheme:

1. Registration: The beneficiary visits a network hospital (NWH). The network Aarogyamitra (NAM) registers patient details in the online trust portal and generates an outpatient (OP) ticket.
2. Consultation & Investigations: The doctor examines the patient and advises tests if required. Following this, the diagnosis and reports are updated online.
3. Eligibility & Admission: If the treatment falls under the listed therapies, the case is converted to inpatient (IP) and processed further.
4. Pre-authorization: The medical coordinator (MEDCO) uploads documents and seeks approval from the Aarogyasri Health Care Trust within 24 hours.
5. Treatment & Discharge: After approval, cashless treatment is provided. Discharge summary and follow-up details are recorded online.
6. Claim Submission: The empanelled Network Hospital submits the claim through the Trust portal after discharge

Documents Required To Apply For Dr YSR Aarogyasri

• Aadhaar Card: Serves as identity and address proof for the beneficiary and family members.
• Income Certificate: To prove your eligibility under the scheme.
• Caste Certificate (if applicable): For SC/ST/OBC beneficiaries to support eligibility.
• Ration Card: Often used to confirm family members and addresses.
• Bank Account Details: For any reimbursements, if required.
• Passport-size Photograph: Of the beneficiary or head of your family.
• Any Existing Health Documents: Previous medical reports, if relevant to the treatment.

Dr YSR Aarogyasri vs Private Insurance: Is It Enough on Its Own?

Dr YSR Aarogyasri offers cashless treatment with no premium contribution, helping families manage major hospital expenses. However, public healthcare infrastructure in certain regions may not always be adequate, which limits hospital access, facilities, and long-term continuity in certain areas.

With rising medical inflation, even a ₹25 lakh cover under a government scheme can be exhausted in cases of prolonged ICU stays, multiple surgeries, organ transplants, or advanced cancer treatments in private hospitals.

In contrast, private insurers like HDFC ERGO General Insurance provide broader coverage, stronger hospital networks, and policy continuity independent of government changes.

Before choosing between a government health scheme and a private health insurance policy, it’s important to understand how they differ in terms of coverage, long-term reliability and more. Here’s a simple side-by-side comparison to help you decide:

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Conclusion

Dr YSR Aarogyasri provides essential financial protection to low-income families in Andhra Pradesh, ensuring cashless access to quality healthcare. For more comprehensive coverage, private health insurance can complement the scheme’s benefits effectively, as government schemes depend heavily on political will, public funding, and predefined limits. 

However, if you are looking for a health plan from insurers with established track records, we recommend comprehensive health insurance plans like HDFC ERGO Optima Secure and Care Supreme, which align with your long-term goals.

Note: Ditto has no affiliation with this scheme. Our assessment here is completely independent and based solely on publicly available data and the evaluation framework we use for all insurers. If you want to understand how Ditto reviews insurers across claims, complaints, business strength, and product suitability, you can read our methodology here. The information provided is for general awareness and should not be used for financial or legal decisions. Please refer to the Dr YSR Aarogyasri official website for the latest details.